It’s tax season again. Time to dig out those receipts, make an appointment with your accountant, or tackle your tax return alone. It’s also an ideal time to sort out your super. Here are some simple steps to help you get started.

Find your super and bring it together

If you have multiple super accounts, it makes sense to combine them. This could help you cut down on fees and put the power of compounding interest to work for your money.

Before you combine your super, make sure you review any insurances you might have attached to your accounts, as these will be closed when you transfer your money out. Also check if there will be a loss of benefit or exit fee.

Bringing your super together is easy. Simply login to, or register for, and link to the ATO. You’ll be able to see the details of all of your super accounts, who knows, you may even find some you didn’t know you had.

Make small regular contributions

While the 9.5% compulsory super contribution is a good start, if you want a comfortable retirement you may need to add a little extra. Speak to your employer about setting up regular salary sacrifice contributions from your before tax pay and boost your super while reducing your income tax. You can also make a personal super contribution and claim a tax deduction.1

Boost your super with a bonus

Expecting to come into some money this year? Why not contribute some or all of it to super? If you’re aged under 65, you may be able to make an after-tax contribution to super of up to $100,000 per year. Better yet, you may be able to bring forward two or three years of unused caps to make a contribution of up to $300,000 (subject to eligibility requirements).

Nominate who gets your super

No one likes to think about it, but who gets your super and insurance if something happens to you? Super is likely to be one of your biggest assets, so it’s important it’s paid according to your wishes.

You can ensure your loved ones receive your super by filling out a binding nomination form and returning it to us when it’s complete. You can check your binding nominations by logging in to your online account.

Make a spouse contribution

If your spouse earns less than $37,000 and you make a $3,000 contribution to their super, you may be eligible for a tax rebate of up to $540. For more information on spouse contributions, visit

We’re here to help

If you’d like more information on how you can maximise your super, speak to an EISS Financial Planner. To make an appointment, call 02 9046 1920 or visit




1 Australian Tax Office, ‘Personal super contributions’,, Jun 2018

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